Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$79,410Cash toward the purchase price.
Closing costs + prepaids$15,832Not just lender fees.
Before credits & paid funds$95,242The complete starting cash picture.
Estimated remaining funds due at closing
$95,242No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,410.36
Your down payment$79,410.36
Closing costs + prepaids$15,831.86
Total buyer cash needed$95,242.22
Remaining funds due$95,242.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,722.00
Initial HOA (3 months)$262.50
Prepaid interest, first (27 days)$2,173.36
Fees + prepaids$15,831.86
Your down payment is the seller’s equity. You take over the $440,490 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $95,242.22 is due at closing. Uses and sources reconcile at $535,731.86 each. Not a Closing Disclosure.